Terms Of Use

Welcome to the GradReady Website (the "Website").

These Terms of Use (the "Agreement") are a legally-binding agreement
between you and Ascendium Education Group, Inc. & Affiliates
("Ascendium"), the owner of the GradReady website, including the
associated functionality and applications (the "Website" or "GradReady").

BY ACCESSING THE WEBSITE YOU AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT.
IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT OR ARE
DISSATISFIED WITH GRADREADY FOR ANY REASON, YOUR SOLE AND EXCLUSIVE
REMEDY IS TO DISCONTINUE USING GRADREADY.

1. Right to Access and Use GradReady.
Your right to access and use GradReady is personal to you and is not
transferable to any other person or entity. You represent that you are at
least thirteen (13) years of age.

2. Passwords.
You agree to maintain the confidentiality of any password(s) you use to access
GradReady, and you are fully responsible for the actions of any person or
entity that accesses GradReady using your password. You agree to notify
Ascendium immediately of any unauthorized use of your password(s) or access
of GradReady using your password(s). You are responsible for protecting the
confidentiality of your password(s) that allow access to GradReady.

3. Ownership of GradReady; Intellectual Property.
As between you and Ascendium, Ascendium owns all right, title, and interest
in and to GradReady, including its content, software, functionality, data,
trademarks and intellectual property. You acknowledge that you do not acquire
any ownership rights to GradReady by accessing or otherwise using GradReady.
All of the content on the Website, including all text, photographs, graphics,
images, videos, format, and other expressions is the property of Ascendium,
or the suppliers of that content. All of the above is protected by U.S. and
international copyright laws. ANY UNAUTHORIZED OR UNAPPROVED USE OF ANY OF THE
GRADREADY CONTENT CONSTITUTES COPYRIGHT INFRINGEMENT AND SUBJECTS YOU TO ALL
CIVIL AND CRIMINAL PENALTIES PROVIDED FOR UNDER DOMESTIC AND INTERNATIONAL
COPYRIGHT LAWS AND TREATIES. You may only use the content for accessing and
understanding such information for individual and personal use. You may not
copy, make any reproduction or modification or any derivative work of the
foregoing, and may not republish or display any of same, nor may any of same
be linked to any other website. All rights not expressly granted in this
Agreement are reserved to Ascendium. No other rights or licenses, whether
express, implied, arising by estoppel, or otherwise are conveyed or intended
by this Agreement.

4. Financial Disclaimer.
Ascendium does not provide financial advice, and does not endorse, recommend,
or approve any product or service listed on the Website unless expressly stated.
Ascendium is not a financial advisor and will not discuss or advise you on any
issues relating to your borrowing, repayment or other financial decisions. Your
reliance upon content obtained by you at or through GradReady is solely at
your own risk.

5. Third Party Content.
Any opinions, advice, statements, services, offers, or other information or
content expressed or made available by third parties on or through the Website
are those of the respective third party and not of Ascendium. In using GradReady,
you may enter into correspondence or otherwise interact with third parties through
GradReady. Any such activity, and any terms, conditions, warranties or
representations associated with such activity, are solely between you and the
applicable third party. Ascendium shall have no liability, obligation or
responsibility for any such activity between you and any such third party.
Ascendium does not endorse any sites on the Internet which are linked to GradReady.
Ascendium may allow certain links from GradReady to third-party websites only
as a matter of convenience, and in no event shall Ascendium be responsible for
any content, products, or other materials on or available from such third-party
websites.

6. Changes to GradReady.
Ascendium may, in its sole and absolute discretion, modify, suspend, restrict
access to, modify the hours of availability of, or terminate all or any part or
feature of GradReady or any link contained herein at any time without liability or
prior notice. In addition, Ascendium may, in its sole and absolute discretion and
without liability or prior notice, terminate or suspend your access to all or any part
of GradReady, including but not limited to, any bulletin boards on this Site, for any
reason, including without limitation, breach of this Agreement. Your obligations
pursuant to this Agreement shall survive any such modification, suspension, restriction,
or termination for the maximum period allowable under applicable law. Ascendium has
the right to change or discontinue any aspect or feature of GradReady at any time.

7. Equipment.
You shall be responsible for
obtaining and maintaining, and all payments for, all
telecommunications, computer hardware, and other equipment needed
for access to and use of GradReady.

8. End User Conduct.

8.1. YOU ARE RESPONSIBLE FOR YOUR ACTIONS IN CONNECTION WITH
YOUR ACCESS AND USE OF GRADREADY, INCLUDING, WITHOUT LIMITATION,
ANY CONTENT YOU POST OR UPLOAD TO GRADREADY OR DIRECT OTHERS TO
POST OR UPLOAD TO GRADREADY.

8.2. You agree that you will use GradReady solely for
purposes of financial literacy training and financial literacy
educational purposes and will not use GradReady for any commercial
or unlawful purpose.

8.3. You agree not to post, upload, or transmit, or cause to
be posted, uploaded, or transmitted, on or through GradReady (i)
any unlawful, defamatory, libelous, tortious, obscene, or
similarly-objectionable content; (ii) any content that infringes or
otherwise violates the intellectual property rights or other rights
of any third party; or (iii) any content that includes any software
viruses or other harmful or deleterious computer code, files, or
programs.

8.4. You agree not to attempt to access the source code or
object code of GradReady or attempt to decompile, reverse engineer,
or dissemble GradReady.

8.5. You agree not to interfere with or disable GradReady or
the servers or networks used in connection with GradReady in any
way.

8.6. Except as otherwise expressly permitted under the "fair
use" doctrine of copyright law, you agree not to reproduce,
distribute, transmit, publish, create derivative works based on, or
otherwise exploit GradReady.

9. Rights to End User Content.
By posting, uploading, or transmitting any content on or through GradReady,
or causing any content to be posted, uploaded, or transmitted on or through
GradReady (the "End User Content"): (i) you represent and warrant that you
are the owner of the End User Content and/or that you have the right to grant
the licenses to Ascendium contained in this Agreement; and (ii) you grant to
Ascendium a fully-paid, royalty-free, perpetual, irrevocable, transferrable,
sublicensable, non-exclusive, worldwide license to use the End User Content
(in whole or in part) for any and all purposes, subject to the terms of the
GradReady Privacy Policy, the terms of which are
incorporated herein by reference.

10. Rights of Ascendium to Delete End User Content.
Ascendium may, but has no obligation to, monitor, review, screen, or edit End
User Content; however, without limiting any other rights or remedies of Ascendium,
Ascendium may remove from GradReady, delete, and/or destroy any End User Content
that either violates the terms of this Agreement or that Ascendium, in its sole
discretion, deems inappropriate.

11. Feedback.
Ascendium may use your feedback, suggestions, recommendations, or ideas (collectively,
"Submissions") in any way, including, without limitation, in future modifications of
GradReady, other products or services and/or advertising or marketing materials, in
accordance with the terms of the Privacy Policy. You
hereby grant Ascendium a perpetual, worldwide, fully transferable, sublicensable,
non-revocable, fully paid-up, royalty free license to use in any way the Submissions
you provide to Ascendium.

12. Disclaimers and Limitations on Liability

12.1. GradReady may periodically be inaccessible or inoperable for any reason including,
but not limited to: (i) transmission interference, interruptions, congestion and/or outages;
(ii) hardware or software malfunctions; (iii) periodic maintenance procedures or repairs
made by or on behalf of Ascendium; or (iv) other causes beyond Ascendium's reasonable
control. Ascendium is not responsible for loss of access to or use of GradReady for
any reason.

12.2. Ascendium is not responsible for any (i) deletion, destruction, or loss of, (ii)
damage to, or (iii) failure to save or store any End User Content. Ascendium may delete
or destroy End User Content at any time.

12.3. Ascendium makes no representations or warranties regarding the accuracy, quality,
integrity, legality, reliability, appropriateness, or timeliness with respect to GradReady or
any of its content.

12.4. GRADREADY IS PROVIDED ON AN AS-IS, AS-AVAILABLE BASIS AND WITHOUT WARRANTIES, EXPRESS OR
IMPLIED, OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT,
MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE, OR WARRANTIES ARISING BY COURSE OF DEALING
OR CUSTOM OF TRADE. ASCENDIUM DOES NOT WARRANT THAT THE INFORMATION ON GRADREADY IS ACCURATE,
RELIABLE, OR CURRENT. YOU ASSUME ALL RISK OF YOUR USE OF GRADREADY. ASCENDIUM EXPRESSLY DOES NOT
WARRANT THAT GRADREADY, OR ACCESS TO OR USE OF GRADREADY, WILL BE UNINTERRUPTED OR ERROR FREE.
UNDER NO CIRCUMSTANCES SHALL ASCENDIUM BE LIABLE FOR ANY DAMAGE CAUSED BY YOUR RELIANCE ON
GRADREADY OR ITS CONTENTS.

12.5. AS CONSIDERATION FOR YOUR USE OF GRADREADY, IN NO EVENT SHALL ASCENDIUM BE LIABLE TO YOU
FOR ANY DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, DIRECT, INCIDENTAL, PUNITIVE, INDIRECT
OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES AS A RESULT OF LOST DATA OR LOSS
OF ACCESS TO OR USE OF GRADREADY), REGARDLESS OF THE LEGAL THEORY ASSERTED (WHETHER IN TORT, CONTRACT,
OR OTHERWISE) AND REGARDLESS OF WHETHER YOU WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES,
RESULTING FROM OR RELATE IN ANY MANNER WHATSOEVER TO (i) YOUR USE OF GRADREADY, OR RELIANCE ON THE
GRADREADY CONTENT OR SERVICES, OR (ii) ERRORS, INACCURACIES, OMISSIONS, DEFECTS, UNTIMELINESS,
SECURITY BREACHES, OR ANY OTHER FAILURE TO PERFORM BY ASCENDIUM OR ITS CONTENT PROVIDERS.

12.6. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN LIABILITIES OR WARRANTIES,
SO SOME OF THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS,
ASCENDIUM'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE
LIMITATIONS ABOVE RELIEVE ASCENDIUM OF ANY LIABILITY ARISING OUT ACTS THAT CONSTITUTE INTENTIONAL
TORTS AND/OR WILLFUL OR WANTON MISCONDUCT OF ASCENDIUM.

13. Indemnification.
You agree to indemnify and hold harmless Ascendium and its suppliers, information providers,
ISPs, and officers, directors, and employees (each an "Indemnified Party") from and against any
losses, claims, damages, liabilities, penalty actions, proceedings, or judgments (collectively
referred to as "Losses") to which an Indemnified Party may become subject, related to or arising out
of any infringement or misappropriation or alleged infringement or alleged misappropriation of any
United States or international copyright, trademark, trade secret, or other proprietary right related
to your use of GradReady or related to or in connection with this Agreement, and shall reimburse
each such Indemnified Party for all legal and other expenses, including reasonable attorneys' fees,
incurred by such Indemnified Party in connection with investigating, defending, or settling any such
Losses, whether or not in connection with pending or threatened litigation in which such Indemnified
Party is a party. You also agree to indemnify and hold harmless each Indemnified Party against any Losses
to which such Indemnified Party may become subject that arise out of or relate to your violation of this
Agreement or your Use of GradReady or your negligent or wrongful conduct, and shall reimburse each
Indemnified Party for all legal and other expenses, including without limitation, reasonable attorneys'
fees, incurred by such Indemnified Party in connection with investigating, defending, or settling any
such Losses, whether or not in connection with pending or threatened litigation in which such
Indemnified Party is a party.

14. Termination.
Ascendium may immediately terminate this Agreement or your access to all or any party of GradReady
for any or no reason, with or without notice. The provisions of this Agreement relating to ownership
of intellectual property, disclaimers, limitations on liability, and indemnification, and any other
provisions of this Agreement where context so indicates, shall survive termination of this Agreement.

15. Gramm-Leach Bliley notices.
You acknowledge that if Ascendium is required under applicable law to provide you with any notice
required by the Financial Services Modernization Act of 1999, as amended (the "Gramm-Leach-Bliley Act")
and any and all regulations promulgated thereunder, you agree to accept any such notices by means of
updates to the GradReady Privacy Policy posted on the Website.

16. Entire Agreement; Amendment.
This Agreement sets forth the entire agreement and understanding between the parties regarding
its subject matter and supersedes any prior understanding or agreements, whether written or oral,
regarding the same subject matter. This Agreement may not be amended or supplemented by (a) any
written communication originated by you relating to the subject matter hereof, (b) statements of
any of our employees, or (c) any other purported modification that has not been agreed to in
writing by us. We reserve the right unilaterally to make changes to this Agreement at any time
without advance notice. We agree to post all amended forms of this Agreement on the Website and
such amended forms shall be effective immediately upon its posting. Your continued Use of
GradReady subsequent to our posting of amended forms of this Agreement shall constitute your
acceptance of the modified Agreement. It is at all times your responsibility to read the most
current form of this Agreement before using GradReady to ensure that you agree to this Agreement
or any amendments made to this Agreement. You agree that these standards for notice of amendments
to this Agreement are reasonable.

17. Miscellaneous.
We may assign this Agreement, in whole or in part, in our sole discretion. You may not assign
your rights under this Agreement without our prior written permission. Any attempt by you to assign
your rights under this Agreement without our permission shall be void. If any provision of this
Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, then such
provision shall be construed, as nearly as possible, to reflect the intentions of the invalid or
unen-forceable provision, with all other provisions remaining in full force and effect. This Agreement
shall in all respects be governed by and interpreted, construed, and enforced in accordance with
the laws of the United States of America and the State of Minnesota, without regard to that State's
conflict of laws provisions. This Agreement shall not be governed by or interpreted in accordance with
the Uniform Computer Information Transactions Act (UCITA), the application of which is expressly excluded.
Any dispute arising out of this Agreement will be venued in a state or federal court situated in
Madison, Wisconsin, and you hereby irrevocably submit to the personal jurisdiction of such courts
for that purpose. The failure of Ascendium to enforce any right or provision in this Agreement
shall not constitute a waiver of such right or provision unless acknowledged and agreed to by
Ascendium in writing.

Calculations created through the use of this website
are based on information you have provided. The accuracy of the
results provided depends on the accuracy of the values you entered.
All calculators provide unofficial estimates and should be used for
informational purposes only. Information presented by this website
should not be relied on for legal or tax advice.